{"id":10056,"date":"2020-12-03T19:44:45","date_gmt":"2020-12-03T18:44:45","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=10056"},"modified":"2020-12-03T19:44:49","modified_gmt":"2020-12-03T18:44:49","slug":"reclamations-judiciaires-contre-les-banques-nouveaux-arrets-de-la-cour-supreme-la-banque-doit-payer-les-frais-du-proces-et-le-cout-total-du-cabinet-de-gestion","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/reclamations-judiciaires-contre-les-banques-nouveaux-arrets-de-la-cour-supreme-la-banque-doit-payer-les-frais-du-proces-et-le-cout-total-du-cabinet-de-gestion\/","title":{"rendered":"R\u00e9clamations judiciaires contre les banques. Nouveaux arr\u00eats de la Cour supr\u00eame. La banque doit payer les frais du proc\u00e8s et le co\u00fbt total du cabinet de gestion."},"content":{"rendered":"\n<p>Nous souhaitons aborder dans cet article les r\u00e9clamations bancaires frais de justice et paiement du cabinet de gestion <strong>, <\/strong>et les arr\u00eats que la Cour supr\u00eame espagnole (ci-apr\u00e8s <em>la CS<\/em>) vient r\u00e9cemment de prononcer sur ces questions.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>La banque doit toujours payer les frais de justice lorsque la demande est estim\u00e9e.<\/u><\/strong><\/h2>\n\n\n\n<p>Nous soulignons l\u2019arr\u00eat n\u00ba 472\/2020 du 17\/09\/2020 du TS.<\/p>\n\n\n\n<p>Il y signale que, lorsque la demande d\u2019un consommateur est estim\u00e9e, c\u2019est toujours la banque qui doit payer les frais de justice. Et cela, m\u00eame s\u2019il y a des doutes de droit. Il s\u2019agit d\u2019une exception qui permet de ne pas imposer les frais \u00e0 la partie qui perd le proc\u00e8s en cas de doute de droit ou de crit\u00e8res diff\u00e9rents selon les diff\u00e9rents tribunaux, etc.<\/p>\n\n\n\n<p>La CS l\u2019estime sur la base de 2 principes :<\/p>\n\n\n\n<p>.- celui du non-rattachement des consommateurs aux clauses abusives.<\/p>\n\n\n\n<p>.- celui de l\u2019effet dissuasif de l\u2019utilisation des clauses abusives dans les contrats avec les consommateurs.<\/p>\n\n\n\n<p>Car, si l\u2019on n\u2019obligeait pas la banque \u00e0 payer les frais du consommateur, malgr\u00e9 qu\u2019elle ait perdu le proc\u00e8s, celui-ci subirait un pr\u00e9judice.<\/p>\n\n\n\n<p>Et en plus, il se produirait un effet dissuasif inverse.<\/p>\n\n\n\n<p>C\u2019est-\u00e0-dire que les banques continueraient d\u2019imposer des clauses abusives. Et en outre, les consommateurs ne s\u2019engageraient pas dans des r\u00e9clamations de d\u00e9fense de leurs droits, s\u2019il s\u2019agissait de petites sommes.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>La Cour supr\u00eame modifie son crit\u00e8re concernant le paiement des frais de cabinet de gestion.<\/u><\/strong><\/h2>\n\n\n\n<p>Jusqu\u2019\u00e0 pr\u00e9sent, la Cour supr\u00eame avait indiqu\u00e9 (dans sa jurisprudence la plus r\u00e9cente) que les frais de notaire et de cabinet de gestion (pour le traitement et l\u2019enregistrement des pr\u00eats hypoth\u00e9caires), devaient \u00eatre pay\u00e9s \u00e0 50% entre la banque et les clients.<\/p>\n\n\n\n<p>Contrairement, elle avait signal\u00e9 que les frais d\u2019inscription de la propri\u00e9t\u00e9 devaient \u00eatre int\u00e9gralement pay\u00e9s par la banque.<\/p>\n\n\n\n<p>Nous remarquons maintenant la toute nouvelle d\u00e9cision n\u00ba 555\/2020 du 26\/10\/2020 o\u00f9 la CS change d\u2019avis,&nbsp;estimant que son pr\u00e9c\u00e9dent crit\u00e8re, pour le paiement du cabinet de gestion \u00e0 50%, n\u2019est pas conforme \u00e0 la doctrine de la CJUE.<\/p>\n\n\n\n<p>Les raisons sont les suivantes :<\/p>\n\n\n\n<p>1.- Avant la loi 15\/2019, le droit espagnol ne pr\u00e9voyait pas qui devait payer les frais du cabinet de gestion.<\/p>\n\n\n\n<p>2.-L\u2019absence de norme imposant l\u2019obligation de paiement au client doit signifier que c\u2019est la banque qui doit y faire face.<\/p>\n\n\n\n<p>3.-. Il s\u2019en d\u00e9coule qu\u2019en cons\u00e9quence, elle doit rembourser tout ce qui a \u00e9t\u00e9 vers\u00e9 pour ce concept.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><u>Conclusion.<\/u><\/strong><\/h2>\n\n\n\n<p>El Cour supr\u00eame espagnole est en train de rectifier certains de ses crit\u00e8res. Esp\u00e9rons qu\u2019elle en changera d\u2019autres, que nous consid\u00e9rons erron\u00e9s, comme celui de l\u2019interpr\u00e9tation de l\u2019IRPH.<\/p>\n\n\n\n<p>Nous souhaitons que cet article sur les R\u00e9clamations bancaires frais de justice et paiement du cabinet de gestion<strong>, <\/strong>vous aura \u00e9t\u00e9 utile.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/www.white-baos.com\/fr\/servicios\/judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vous pouvez consulter nos services de droits bancaires sur notre site Internet. <\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Si vous souhaitez recevoir un conseil expert sur ces questions, <strong><u><a href=\"https:\/\/www.white-baos.com\/fr\/contactez-nous\/\" target=\"_blank\" rel=\"noreferrer noopener\">contactez-nous.<\/a><\/u><\/strong> <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Vous pouvez rester inform\u00e9s \u00e0 travers notre page<a href=\"https:\/\/www.facebook.com\/WhiteBaosAbogadosLawyers\" target=\"_blank\" rel=\"noreferrer noopener\"> FACEBOOK.<\/a> <\/p>\n\n\n\n<p>L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal, il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/p>\n\n\n\n<p>Carlos Baos (Avocat)<\/p>\n\n\n\n<p>White &amp; Baos.<\/p>\n\n\n\n<p>T\u00e9l: +34 966 426 185<\/p>\n\n\n\n<p>E-mail: info@white-baos.com<\/p>\n\n\n\n<p>White &amp; Baos 2020 \u2013 Tous Droits R\u00e9serv\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e9clamations bancaires : frais de justice et paiement du cabinet de gestion. [&#8230;]<\/p>\n<p><a class=\"btn btn-primary understrap-read-more-link\" href=\"https:\/\/www.white-baos.com\/fr\/reclamations-judiciaires-contre-les-banques-nouveaux-arrets-de-la-cour-supreme-la-banque-doit-payer-les-frais-du-proces-et-le-cout-total-du-cabinet-de-gestion\/\">Lire la suite&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":10047,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[488,513],"tags":[836,835],"class_list":["post-10056","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc","category-legalite-ou-illegalite-des-clauses-sols-dans-les-hypotheques-interet-minimum-demande-contre-les-banques-interets-debites-indument-demande","tag-reclamation-frais-hypotheque","tag-reclamations-contre-les-banques"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>R\u00e9clamations bancaires frais de justice et paiement du cabinet de gestion<\/title>\n<meta name=\"description\" content=\"Avocats experts. 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